Our interactive Home Buyer Guide is designed to help you understand the steps in buying a home with ease and provide you with online tools to simplify the decision making process.
An Informed Buyer’s Guide The Hanlon team will deliver your desired results embracing the highest level of digital services
Step 1 Choose The Hanlon Team
We make sure you have access immediate access to available properties:
● Collaborate ● Daily new listings right to your inbox each morning Get your listing HERE ● Access to exclusive properties for sale before they go on MLS As your Buyer Agent:
● We help you buy with confidence by connecting you with our mortgage specialist for your mortgage pre-approval ● We have over 80 years of experience combined as a team, we bring you the highest level of experience in market expertise ● You can trust that as highly skilled negotiators we are working your offer and ensuring you don’t overpay
GOOGLE US!
We aim to make our clients happy and will work hard to ensure we meet your desired results.
Read Our Reviews Here
"Working with the Hanlon Team was an amazing experience! Their knowledgeable and friendly associates expertly guided us through every stage of our sale. Staging and marketing was second to none and everyone was highly motivated to achieve the best possible outcome for us. We know we chose the right Real Estate partner in the Hanlon Team and would definitely recommend them to anyone who is looking to sell (or buy) a home." Steve and Siera
STEP 2 Deciding Where & What to Buy
Let’s create your wish list…
Location Find your neighbourhood Where would like to live?
What type of amenities do you need in your neighbourhood?
How long do you see yourself living there?
Style What kind of home do you need?
Do you need a backyard?
Do you need parking?
Features How many bedrooms and washrooms do you need?
Do you need a finished basement?
What is the most important room in your home?
Do you want upgraded features or will you be renovating?
Compromise What are the needs of your family?
What are you willing to be flexible with?
What are non negotiables?
STEP 3 The mortgage industry is a highly competitive field and it is important to understand that interest rates can change at any time. Partnering with a mortgage broker or financial institution to help you find the right mortgage product at the best rate is key to your home buying process. Our team has partnered with top notch Mortgage Specialists to give you ● The best interest rates ● Options for financing ● A preapproval Having that Pre-Approval Documentation Can Offer You Several Benefits ● Save you time by only looking at properties that you can afford. ● Save you money. Rate guarantees and mortgage terms can save you money for years to come. ● Less stress throughout the process. You will know that you are ready and capable of buying a home. ● Get a better deal on the home that you want. Sellers like to know that buyers already have financing in place. Getting Pre-Approved for a Mortgage
Calculate your mortgage payment with our online calculator HERE
Visit our partners online for more information on qualifying for a mortgage and submit your application
STEP 4
You’ve found the one. Fantastic! Let’s make an offer Making an Educated Offer
The Offer
What happens after this: ● The seller may accept your offer ● The seller may reject your offer ● The seller may decide to change the terms of the
● Deposit ● Closing/Completion Date ● Inclusions/Exclusions ● Terms and Conditions ● Clauses
offer and present the offer to back to you. We then decide to continue to negotiate until an agreement is made or we decide it is best to walk away.
STEP 5
Conditions, Home Inspections and Waivers
The offer has been accepted. Now we need to satisfy the conditions. This usually involves performing a home inspection, getting the rest of your personal information and the property information to your mortgage broker or bank, and arranging for the other information that might be necessary, like surveys, water tests and condominium document We can refer a reputable Home Inspector Home inspections allow you to scrutinize the details of the home and save you from some unpleasant surprises.We work with professional and trustworthy home inspectors that have been part of our referral team for many years.
STEP 6 Typically you will have anywhere from 30 to 90 days to get everything ready for your home. It could be shorter or longer, depending on what you need and have agreed upon with the seller. The closing date is usually the same as your move-in date. It is a good idea to get things organized well in advance of the closing date to reduce the stress of the move. Preparing to Move
Lawyers
●
● Down Payment and Closing Costs
Movers
●
● Change of Address
● Utilities
MEET OUR TEAM Of Professionals
Shirley Hanlon Co-Founder, Team Lead Sales Representative 905-271-5141 Shirley@thehanlonteam.com
Stephen Hanlon Co, Founder, Broker 416-669-2490 Stephen@thehanlonteam.com
Sean Hanlon Broker 289-936-4069 Sean@thehanlonteam.com
Peter Scarcella Sales Representative 416-515-9613 Peter@thehanlonteam.com
MEET OUR TEAM Of Professionals
Andrew Burke Sales Representative 416-797-7133 Andrew@thehanlonteam.com
Lisa Hildred Sales Representative 416-450-9512 Lisa@thehanlonteam.com
Dorothy Guerra Sales Representative 905-949-9642 Dorothy@thehanlonteam.com
Pamela Duggan Sales Representative Client Care Manager 905-271-5141 pamela@thehanlonteam.com
MOVE IN AND ENJOY!
COMMON CLOSING COSTS Funds to cover your down payment and closing costs will most likely have to be in the form of a bank draft or wire transfer to your lawyer’s trust account. Your lawyer will detail the exact amounts required for: ● Balance of down payment after initial deposit with offer. ● Mortgage Loan Administration and/or Appraisal Fees, if applicable. ● Credit report fees. ● Mortgage insurance premiums if applicable (CMHC). ● Land Transfer Tax and Title Registration Fees. ● Title insurance policy premiums. ● Legal fees. ● Pro-rated amounts for your share of any prepaid costs, such as utility bills and property taxes.
TRY OUR ONLINE CALCULATOR
MOVING CHECKLIST 2 MONTHS BEFORE: ● schedule Movers/Rental Truck NOTE : keys to your new home usually available between 4:00 – 6:00 pm ● Arrange for change of schools ● Post Office – change of address/forward mail www.canadapost.ca ● Arrange for Utilities (cancel old; start new) ● Electricity www.enersource.com ● Gas www.enbridgegas.com/homes/ ● Water/sewer - www.peelregion.ca/pw/water/ ● Telephone ● Cable/Internet ● Homeowner’s/renter’s insurance ● Change address on the following ➔ Driver’s license , Auto Registration, www.serviceontario.ca ➔ Health Care, Medical contacts ➔ Banking ➔ Mobile Phone ➔ Government Services (old age security, maternity benefits, family allowance, income tax) ➔ Update new address to any automated billings ➔ Cancel or change address for any regular deliveries (newspaper, subscriptions) ● Arrange Lawyers: Recommended: Myclosing.com Garvey & Garvey LLP
● Arrange financial
● CONDOS/APARTMENTS ➔ Book Elevator ➔
Arrange removal of locker items
Parking rental
➔ ➔
Advise property management of move
MOVING CHECKLIST 1 MONTH BEFORE: ● Initiate packing and purging of items – some helpful sources 1-800-Got-Junk, www.kijiji.ca, www.craigslist.ca ● Host a garage sale –Garage Sale Signs Provided by TheHanlonTeam 1 – 5 DAYS BEFORE MOVE: ● Set aside any critical documents or payments ● Confirm moving company’s arrival and any other details MOVING DAY FRIENDLY REMINDERS: ● Organize keys, your solicitor will have your new house keys ● Clean House ● If choose to change your locks we recommend www.popalock.ca ● Ensure cupboards, closets, all appliances are empty ● Disassemble beds and any other special instructions for movers ● Stay positive and enjoy excitement for your NEW HOME!! ● When you enter your new home, check all the appliances to ensure they are working as agreed. Call us as soon as possible if there is a problem
CONNECT WITH US!
Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29Made with FlippingBook Online document